Southwest Credit Systems, L.P

2017-10-19

El Toro, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-10-17

Allingtown, CT

False statements or representation

Debt collection: Other debt

Impersonated attorney, law enforcement, or government official
Company Response: Closed with explanation

Timely Response

2017-10-14

Bossier City, LA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-10-14

Gastonia, NC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I received a letter from Southwest Credit on XX/XX/XXXX about a collection account Ive never heard of. I sent them a debt validation letter on XX/XX/XXXX disputing the debt and requesting validation. On XX/XX/XXXX I got a notification that they added a collection account to my XXXX credit report. By law Im given thirty days to respond to dispute the debt and I was well within the thirty day response period. I NEVER received any type of debt validation letter from them as a response yet they placed this fraudulent account on my credit report. Not to mention if the letter was dated XX/XX/XXXX by law they cant place anything on my credit reports BEFORE XX/XX/XXXX. Yet they placed this collection account on my credit reports on XX/XX/XXXX WITHOUT responding to my request for validation which is against the law.
Company Response: Closed with explanation

Timely Response

2017-10-13

Las Vegas, NV

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Southwest Credit System is trying to collect a debt that is passed the statue of limitations for Texas. The statue of limitations is 4 years and the debt is 4 years and 4 months old. By law, they can not collect on this account. I have mailed multiple letters to the company explaining this matter and received no response. In lieu of suing the company for violating the law, I want the company to : stop attempts for collecting the debt, remove their information from ALL credit profiles, and agree that they will not longer sell my account to another collection agency per Texas Law.
Company Response: Closed with explanation

Timely Response

2017-10-13

NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I have contacted SW Credit Systems several times about the account being reported on my credit report. I paid the account off with XXXX XXXX XXXX and XXXX XXXX XXXX stated the collection would be removed from my credit report. To this date, the account has not been removed from my XXXX or XXXX credit reports.
Company Response: Closed with explanation

Timely Response

2017-10-13

Cherry Brook, MA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I have an account with Southwest Credit Systems for XXXX with XXXX XXXX. This account is closed and is showing open on my credit report. The account also is showing incorrect charges. Ive tried to handle the issue with XXXX XXXX because they kept charging me when I no longer had the phone and was no longer a customer with this company. Ive requested for the incorrect information to be removed. This account was removed already and has reappeared.
Company Response: Closed with explanation

Timely Response

2017-10-12

Tarzana, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX started calling about 1 & 1/2 years ago regarding a {$150.00} debt. After speaking to a representative on more than one occasion, I was told that i would not get any more bills, not to worry about the bill and that I did not lease any equipment. Many hours were spent on the phone for this. Then a few months ago I got a call from XXXX XXXX XXXX, a collection agency. After explaining to Supervisor XXXX XXXX at that agency what the situation was, I completed a Fraud Report at his suggestion. Now I am getting calls from Southwest Credit for an even larger amount of money - {$150.00}. I spoke with them and asked them to send me the proof that they said they had that I owed this. They sent no proof-only a bill for {$150.00}. We tried calling XXXX XXXX XXXX again last week and I was hung up on when I asked them to please look at their notes, in which it will state that they told me I did not owe them any money on this case. Thank you very much for your help! XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-10-11

Belle Haven, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XXXX the XXXX of 2017, I was contacted by southwest credit systems regarding a debt the XXXX XXXX XXXX claims I owe them but as I have stated in previous claims, I do not owe because XXXX XXXX XXXX broke FTC law by making promises that caused me to make decisions that they refused to honor and they are violating the FTC law by trying to collect on this debt before the FTC has even finished their investigation. I will say to this company as I have said to the previous, this matter is being prepared to go to court if need be, since they refused to honor their own employees guaranties more than once, XXXX XXXX XXXX broke this contract and if anyone owes anyone money, they owe me for the termination and the time I am having to take to deal with this issue. This matter has gotten so far out of hand that I have even had to contact my senator, The Honorable XXXX XXXX in hopes of resolving this matter. This letter will service as an official Cease and Desist letter and any more attempts by this company to collect this debt, written, call, credit reporting, or any attempt not mentioned will result in legal action. I have made an attempt through the FTC to talk to XXXX XXXX XXXX as long as I could record the call and have a witness present and to this day they have refused, they have refused my offer of recorded third party mediation as well. I offered both of these as well as filing complaints with the FTC, FCC, Senator XXXX XXXX XXXXs office as well as the Consumer Financial Protection Bureau and all the company has done is send collection companies after me. This should be illegal and as I mentioned, Southwest Credit Systems choose to be in the debt collection business, it is not my fault that the companies they deal with do not provide them with full information of a case. Any communication other than one saying that they will be closing the account will be responded to by both of my lawyers and I will not be paying their fees.
Company Response: Closed with explanation

Timely Response

2017-10-11

Fairfield, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-11

Arvada, CO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I had XXXX a long time ago and cancelled my account with them, returned everything that they asked for and then paid my balance. Now years later a collection has just come onto my credit report for something that has already been paid
Company Response: Closed with explanation

Timely Response

2017-10-11

Mardela, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-10-09

Arlington, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-06

League City, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2017-10-05

Philadelphia, PA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Wrote letter on XXXX2017 to SOUTHWEST CREDIT SYSTEMS LP that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised SOUTHWEST CREDIT SYSTEMS LP to removed incorrect information off my credit report. More importantly, SOUTHWEST CREDIT SYSTEMS LP are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from SOUTHWEST CREDIT SYSTEMS LP.
Company Response: Closed with explanation

Timely Response

2017-10-02

Bertha, MN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-09-29

Palos Park, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I recently pulled my credit report and noticed a collection from XXXX XXXX XXXX with acct # XXXX. I have no knowledge of this account. I disputed this account with all 3 credit bureaus. This account is still on XXXX and XXXX. I do n't know what else to do, but this account is not mine.
Company Response: Closed with explanation

Timely Response

2017-09-28

Houston, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-09-27

Saint Clair, MO

False statements or representation

Debt collection: Other debt

Indicated you were committing crime by not paying debt
Complaint: Southwest Credit System, now doing business as XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX keeps reporting as collection of {$150.00} to XXXX XXXX XXXX I paid this bill I have cancelled check showing it was paid. I disputed it with both credit agencys XXXX XXXX and XXXX gave them 30 days to remove it. 30 days later its back on my credit reports as unpaid. I am XXXX.. I call them via relay for XXXX, they tell me stuff like they ca n't accept relay calls, or they transfer me to another dept / colltion person.. and then the phone hangs up. Southwest credit Systems, now XXXX XXXX should be forced out of business these guys are dishonest! this one negative iten is preventing me from getting a loan, even though I show lender copy of check that it has been in fact PAID in full. they say sorry not until its removed from your credit report. but you ca n't get it reomed if the XXXX XXXX XXXX keep reporting it to credit agencys as unpaid.. the XXXX BBB has suspend Southwest Credit System, now doing business as XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX due t extermly high level of complaints about them.
Company Response: Closed with explanation

Timely Response

2017-09-26

Los Angeles, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-09-26

MO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have reached out to the company on XXXX/XXXX/XXXX asking to validate this debt and to send the actual contract that I have signed with them that I owe Southwest Credit money. They have failed to send me a signed contract with Southwest Credit. I do not have a contract with Southwest Credit. I never heard of southwest credit.
Company Response: Closed with explanation

Timely Response

2017-09-26

Birmingham, AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-25

San Antonio, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I have terminated my contract with XXXX on XXXX of XXXX they kept charging my account so I had to dispute it with my bank. XXXX did fail to provide the proper documentation supporting the legitimacy of these charges, so my bank closed the case to my favor blocking further charges from XXXX. On XXXX of this year XXXX I was surprised to see on my credit report that on the XXXX of XXXX XXXX they have sent me to collection for the amount of {$370.00}. I have no idea where this amount came from nor have I received any notice about it. Hope you can help me sort it out and maybe get this off my credit report since it did impact it significantly. Thank you so much and have a wonderful day
Company Response: Closed with explanation

Timely Response

2017-09-25

Bellflower, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-09-25

Baton Rouge, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response